The Financial Operating System for Healthcare.
Healthcare is the only major expense without one.
An app that connects your HSA, insurance, pharmacy, and bank, then finds what you're owed and the cheapest way to pay.
baselinebenefits.com
Americans spend more on healthcare than almost anything else, yet manage it with none of the tools they expect for the rest of their money.
The tools to fix healthcare's money problem only recently came together.
People expect apps to do the work for them now, not just show information.
New rules finally made healthcare pricing data usable.
Open banking and digital wallets make automation real.
It connects your HSA, insurance, pharmacy, and bank, then works in the background to find what's eligible, compare every price, file reimbursements, time your deductible, and forecast what's next.
Healthcare money decisions become automatic.
Illustrative example. Eligibility and pricing vary by plan.
Today you'd need four different tools to do what Baseline Benefits does, and none of them talk to each other.
Baseline Benefits is the only one connected to your prices, insurance, HSA, and bank.
Baseline Benefits is free for the people who use it. We earn from the savings and transactions we create, never from your pocket.
It doesn't depend on payer budgets.
We start with prescriptions and HSAs, then expand into the rest of healthcare spending.
Christopher Cruttenden, founder. He grew up in fintech (his family founded Acorns, the app that made investing simple for everyday people), has worked in health tech alongside his father, and has personally fought the HSA and benefits maze. He studied humanities at Cal Poly San Luis Obispo, which shapes how he builds: around people, not paperwork.
Now assembling the fintech, health-benefits, and AI expertise to build the rest.
Baseline Benefits handles the money side of your health, so you don't have to.
baselinebenefits.com · christopher@baselinebenefits.com